Our mission

We believe financial control is a human right — not a privilege.

Gen Z is the first generation growing up in a world where AI is used against them every day — to sell, to manipulate, to exploit moments of weakness. We built Penny to change that. To put the most powerful financial psychology tool in the pocket of every young person in the Nordics and Baltics.

Psychology first

We treat the cause, not the symptom. Behavior drives money — not the other way around.

Always on your side

Penny works for you. Never for advertisers, never for banks.

Privacy by design

GDPR compliant. Read-only access. Your data is yours — always.

Built for inclusion

Financial clarity for everyone — not just those who can afford an advisor.

Tahani Berge and Ellen Vigrestad — co-founders of penny.ai, on the cover of Lifestyle Magazine
ELLEN & TAHANI · LIFESTYLE MAGAZINE · NOVEMBER 2025
Born in Stockholm · April 17, 2025

Built by two women who got tired of watching algorithms win.

penny.ai was born at Fearless — the Feminvest competition in Stockholm, in partnership with Lovable and Mastercard. Two founders. One mission. Take back control.

How it started

The idea that started with one simple observation.

It was April 17, 2025 in Stockholm. Tahani and Ellen were at Fearless — Feminvest's competition for bold ideas in fintech and financial inclusion. They saw a generation drowning in impulse purchases, Klarna debt, and financial anxiety — while billion-dollar algorithms got smarter every day.

The question wasn't why doesn't a good budgeting app exist? Hundreds of those exist. The question was: why is nobody using psychology to actually fight back?

That night, penny.ai was born.

Fearless by FeminvestLovableMastercardStockholm · 17 April 2025

The founders

Two builders.
One shared mission.

Tahani Berge

Co-founder · Digitalization & PropTech

Tahani brings deep experience in digitalization and the PropTech industry. She knows how technology transforms industries, and what it takes to build products that actually change behavior. At penny.ai, she leads the vision for how Penny understands and adapts to each user's financial reality.

I've spent years watching technology reshape industries. With Penny, we're finally using that power for the people who need it most — young adults being sold to every single day.
DigitalizationPropTechProduct VisionUser Experience
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Ellen Vigrestad

Co-founder · AI & Business Development

Ellen lives and breathes AI and business development. She sees commercial opportunity where others see complexity, and she's passionate about building AI that genuinely serves people — not just companies. At penny.ai, she leads the intelligence behind Penny's ability to understand behavior and drive growth.

AI is the most powerful tool of our generation. The question is who it serves. We're building Penny to make sure it serves you — not the algorithm trying to sell you something.
Artificial IntelligenceBusiness DevelopmentPropTechGrowth
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Coming with LOVE — when Penny is ready for the world

Join us on the mission.

penny.ai is just getting started. Be part of the first chapter.

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